The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$39,189
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,408
−HK$1,239/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,186/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,423/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,027
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,490
−HK$1,486/mo
Today · 4.125%
HK$49,976
baseline
▲ 0.50% · 4.625%
HK$53,017
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,952/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,317
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,721
−HK$1,423/mo
Today · 4.125%
HK$55,144
baseline
▲ 0.50% · 4.625%
HK$58,051
+HK$2,907/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,288/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,865
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,572
−HK$1,734/mo
Today · 4.125%
HK$58,306
baseline
▲ 0.50% · 4.625%
HK$61,854
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,612/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,037
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,674
−HK$1,661/mo
Today · 4.125%
HK$64,335
baseline
▲ 0.50% · 4.625%
HK$67,726
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,670/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,541
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,735
−HK$2,230/mo
Today · 4.125%
HK$74,965
baseline
▲ 0.50% · 4.625%
HK$79,526
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,930/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,476
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,581
−HK$2,135/mo
Today · 4.125%
HK$82,716
baseline
▲ 0.50% · 4.625%
HK$87,076
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,491 · Scale 2, in force from 26 Feb 2026)